BlastPoint's Credit Union Scorecard
PATENT AND TRADEMARK OFFICE
Charter #4936 · VA
PATENT AND TRADEMARK OFFICE faces 5 concerns requiring attention
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - ROA 0.05% below tier average
- - Efficiency ratio 3.29% above tier (higher cost structure)
- - Delinquency rate 0.56% above tier average
- - Net Worth Ratio: Bottom 2.3% in tier
- - Indirect Auto Concentration (%): Bottom 4.0% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,822
+3.4% YoY-0.5% QoQ
|
+196 |
2,625
-2.2% YoY
|
220,190
+7.3% YoY
|
33,089
+6.1% YoY
|
64% |
| Assets |
$40.0M
-0.9% YoY+0.5% QoQ
|
+$10.2M |
$29.9M
+1.1% YoY
|
$2.9B
+6.5% YoY
|
$547.7M
+7.8% YoY
|
70% |
| Loans |
$22.1M
+4.5% YoY-4.4% QoQ
|
+$6.3M |
$15.8M
-2.4% YoY
|
$2.1B
+5.3% YoY
|
$388.7M
+8.6% YoY
|
73% |
| Deposits |
$37.1M
-1.3% YoY+0.3% QoQ
|
+$11.7M |
$25.5M
+0.4% YoY
|
$2.4B
+8.1% YoY
|
$464.6M
+9.3% YoY
|
73% |
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| ROA |
0.6%
+5926.6% YoY-4.7% QoQ
|
-0.0% |
0.7%
-731.4% YoY
|
0.7%
+11.3% YoY
|
0.7%
+273.4% YoY
|
43% |
| NIM |
3.6%
+7.8% YoY+2.0% QoQ
|
-0.3% |
3.9%
+3.8% YoY
|
3.9%
+2.0% YoY
|
3.7%
+5.0% YoY
|
38% |
| Efficiency Ratio |
84.7%
+0.1% YoY+1.2% QoQ
|
+3.3% |
81.4%
-2.4% YoY
|
80.4%
+0.4% YoY
|
79.1%
-3.3% YoY
|
66% |
| Delinquency Rate |
2.1%
+28.0% YoY+52.6% QoQ
|
+0.6 |
1.5%
-2.0% YoY
|
1.7%
+32.7% YoY
|
1.2%
-0.9% YoY
|
81% |
| Loan To Share |
59.4%
+5.9% YoY-4.6% QoQ
|
-1.8% |
61.2%
-3.0% YoY
|
66.7%
-4.2% YoY
|
68.0%
-1.7% YoY
|
48% |
| AMR |
$20,969
-2.5% YoY-1.0% QoQ
|
+$6K |
$14,627
-2.7% YoY
|
$18,613
+1.9% YoY
|
$19,418
+1.3% YoY
|
83% |
| CD Concentration |
1.3%
-57.6% YoY-5.8% QoQ
|
-23.1% |
24.4%
+4.2% YoY
|
18.8%
+3.1% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
30.6%
+280.7% YoY-0.3% QoQ
|
+16.6% |
14.0%
-5.7% YoY
|
9.7%
-0.5% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)